"First of all, we've been absorbing it for years. There's no sense in changing now. Also, I believe that if I do start charging it, I might have customers walk out the door and not purchase from me," says Dibbles.

"It costs me more money to swipe the card and charge them for it, so I lose money ringing up a refill or even a small cup of coffee, with the percentage that they take out in swiping fees," Gilbert says.

Even selling small items like coffee, about half of her business comes from credit cards, too.

The new rules have Laura thinking about charging customers a little more for using a card.

INDIANAPOLIS - He's still defending the state's new religious-freedom law -- but Indiana Gov. Mike Pence is calling on state lawmakers to send him a measure by the end of the week, making it clear that the law doesn't allow discrimination against gays.

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